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Healthy Paws Pet Insurance Review

3,335 Customer Comments & Reviews - see all comments
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Healthy Paws is a pet insurance company based in Washington state that provides coverage for cats and dogs. They are underwritten by Chubb Group, a consistently highly-rated insurer.

Healthy Paws offers an industry-leading suite of policies that include unlimited lifetime benefits, high reimbursement, affordable coverage, and top rated customer service.
 
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How Do We Rate Healthy Paws?

Breakdown

4.5/5
Coverage
4.0/5
Cost
4.0/5
Extras

Our Overall Rating: 4.4 / 5 (Excellent)

Healthy Paws ranks highly among the pet insurance companies we've reviewed. The company offers a single pet insurance plan with multiple reimbursement options, comprehensive coverage for alternative therapy and no caps of any kind.

Reimbursement is based on the cost of your actual vet bill and there is no limit as to the type of or how many claims you can make for covered conditions. Healthy Paws provides all of this at the same or sometimes lower prices than less comprehensive plans.

Healthy Paws Coverage

Coverage - 4.5 / 5

Compared to other pet insurance providers, Healthy Paws offers the most comprehensive coverage and does so without any caps or limits. Policies cover all accidents and illnesses without restrictions for hereditary or congenital conditions.

The company also includes services like advanced testing, surgeries, hospital stays, and prescription medications, as well as alternative therapies and emergency care.

Healthy Paws does not have a wellness plan, but they will treat canine hip dysplasia if it is not a pre-existing condition.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care

Benefit Limits

Benefit Limits - 4.5 / 5

Where Healthy Paws really asserts its dominance is in benefit limits. Regardless of the plan you choose, there are no caps on coverage, either annual, lifetime, or per incident.

Generally speaking, other companies offer unlimited benefits as an option available only for their highest level and most expensive plans. This is not the case with Healthy Paws; it is included in their standard price plan.

As long as the condition or treatment is covered under the plan (very few restrictions do apply) there is no limit to what the company will pay to make your animal well.

One Healthy Paws customer reported to us that the company recently paid out over $18,000 on a $20,000 vet bill in order to save the life of a dog suffering from cancer. More recently, another customer wrote, "I have a six-year-old German shepherd. Unfortunately, he already has had more than his share of problems, from herniated discs to cancer. Healthy Paws has not given me any hassle or trouble, even though his expenses to date are approaching $40,000. This was by far the best financial decision I have ever made."
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 4 / 5

As with deductibles, Healthy Paws is in line with the industry's best companies by allowing you the flexibility of customizing your reimbursement percentage as well.

You can select either 70%, 80%, or 90% at the outset of your policy. Healthy Paws reimbursement is based on the actual veterinary bill.

The company will compile all covered treatments for a given claim and pay your chosen percent after you've met the deductible. As with low deductibles, high percentage payouts are going to equal a more costly monthly premium.
In general, Healthy Paws pays on a reimbursement model. Policyholders pay the vet up front for treatment, submit their claims to Healthy Paws, and receive a reimbursement. However, in situations where pet owners can't pay their vet at the time of treatment, they have the option of contacting Healthy Paws and asking them to pay the vet directly. If the veterinary hospital is willing to accept payment from Healthy Paws, the insurer can work directly with it to expedite access to medical records and claim processing. This direct payment option is available on a case-by-case basis and applies to treatment by any licensed vet in the United States. It is not limited to any specific network of vets.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4.5 / 5

Like all the best pet insurance companies, Healthy Paws allows you to customize your deductible to best suit your financial needs.

Values can be set at $100, $250, and $500. Lower deductibles do result in higher premiums. But many customers will appreciate the flexibility Healthy Paws offers.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Healthy Paws cost?

Cost - 4 / 5

Considering the few benefit limits Healthy Paws imposes and the company's customizable payout percentages and deductibles, Healthy Paws plans are reasonably priced and even cheaper than less substantial plans.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$32.83
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$17.19
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts:

Enrollment & Waiting Periods

Enrollment - 5 / 5

Healthy Paws enrolls pets 8 weeks and older. While some companies have no upper age enrollment restrictions, Healthy Paws limits coverage to pets 13.99 years old and younger.

Some companies offer accident coverage immediately upon premium payment. Healthy Paws imposes a 15-day waiting period for accidents and illnesses.

The waiting period for hip dysplasia is 12 months. Healthy Paws will not cover hip dysplasia if the pet was 6 years or older at the time of enrollment. Other companies we review have no such restrictions on hip dysplasia.

For pets younger than 6 you'll have to provide documentation of a complete physical within the last 12 months. Pets older than 6 must have had a complete examination within the last 30 days.
Min Enrollment Age
8 weeks
Max Enrollment Age
14 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
Free Look Period
30 days

Claims & Service

Extras - 4 / 5

Healthy Paws has a proven track record of fulfilling claims fast and with as little fuss as possible compared to other pet insurance companies.

Customer support is efficient, courteous and available 7 days a week. With Healthy Paws, you have the ability to file a claim online or through their mobile app.

You simply submit the veterinarian invoice and the company will send you the reimbursement check. 99% of claims are processed in 2 days.
Advertised Response Time
3 days
Claim Form
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.healthypawspetinsurance.com/
Headquarters Address
11120 NE 33rd Place, Bellevue, WA, 98004
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
Year Founded
2009

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3335 Customer Comments & Reviews

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Cathy M

12/10/2016
Best insurance I've had. I wish I knew of this company with my last dog that'll take me 5+yrs to pay off. 1)One deductible per year, not per incident. 2)All inclusive, no learning of side packages you "should've had" after the fact so you're not covered. That's what killed me financially with the last company I used. Well, that and a pay out cap 3)No pay out cap. Makes decision making, needed care.. not to mention less stressful and more peace of mind you can provide your furry family the best chance possible. I've told probably 8 people about this plan who have joined. One who had a great experience with Healthy Paws after her dog was bitten by a snake and another who had to have... Read More

Peggie F

12/9/2016
I recently enrolled my two young Somali cats with Healthy Paws Pet Insurance. I am so glad I did!! Because on Thanksgiving Day, Malibu came barreling down the hall, upsetting the cat tree and sending his sister, Jodhi, flying into the wall, breaking her left foreleg. Her injury required surgery - necessary but pretty expensive. At the time, I had no idea whether I could trust insurance to cover the costs. Then I took a deep breath and submitted my claim. Healthy Paws made the process so easy. They were kind, caring and so incredibly efficient. I cannot recommend them highly enough! They are great! And if you are looking for a good way to protect your beloved pets, sign up NOW!

M
Mike R

12/9/2016
I've had my Boston since he was 10 weeks old and shortly obtained Healthy Paws after getting him. Oliver turned 5 years in October 2016 and just a couple weeks later showed concerning and painful behavior. I took him to his regular vet for diagnosis, an emergency vet the next day and then another emergency vet the third day on a Saturday for an emergency MRI that required immediate neck surgery for ruptured discs in his neck. Almost $7,000 for the 3 days of treatment. Although most of us would do anything for our pals, knowing I had HP allowed me without hesitation to tell the docs to do whatever they needed to do to treat him. Some people wouldn't be able to. This was not my first... Read More

A
A

12/9/2016
Healthy Paws was amazing. We have been a client for years and have luckily only needed to submit one claim. They should try their hands as a company at people health insurance. Working with Healthy Paws has been not just easy, but a joy. The entire process is clear, refined, fast and empathetic. The follow up email checking on our dog was a delightful, caring surprise. Fantastic all around.

T
Teresa M

12/6/2016
We've been a "Healthy Paws" customer for about three years. We have four dogs insured. There have been several occasions we've had to file claims for our dogs and we've always been taken care of promptly. We've never disagreed with Healthy Paws reimbursement of any of our claims. The latest claim has totaled close to $6,000 . Our reimbursement for these claims were all handled within a couple of days and reimbursed to policy agreements of close to $5,000 in checks back to us. One of our smallest dogs was seem by our primary care vet with recommendations for further diagnostic tests, including ultrasound. He was admitted to our local emergency hospital, discharged and transferred on to NC... Read More

Alexa G

12/6/2016
Healthy Paws has been great. We have a young rescue dog and she recently had a very complex (and expensive) knee surgery. Healthy Paws paid the claim in under a week. I have never had any issue with a submitted claim, and when I have reached out to them for clarification, they have always responded right away.

K
Kyle B

12/6/2016
Our dog got a fever that wouldn't go away and she quickly ended up in the emergency room overnight several times and had half a dozen tests performed totaling over $3,000. Not only did Healthy Paws make good on their insurance promise of 80% coverage after a small deductible of $250, they pre-approved us during the whole ordeal so we didn't have to pay the entire total up front. My vet just contacted Healthy Paws and they paid 80% directly. Several days after, as our dog finally got better on antibiotics, a Healthy Paws representative personally contacted us to see how our dog was doing. It was good customer service and good business.

K
Kevin F

12/5/2016
Healthy Paws is very dependable and caring.

Irish M

12/4/2016
I have both my Frenchies insured with Healthy Paws and I wouldn't change that for anything! I've unfortunately had quite a few claims and HP reviews them quickly and I have a check in my hands within 2 weeks. It's utterly amazing. I just take a picture of the invoice with my phone and upload it on their app. No claim forms and zero hassle. It's amazing. There is NO other pet insurance that compares. Period. Thank you Healthy Paws Pet Insurance! A++++++++

S
Susan M

12/4/2016
Recently my dog suffered a compressed disc while playing with his buddy. After a month of intense down time prescribed by his neurologist he suffered complications with a stagnate GI track.Through all the x-rays, MRI, hospitalization and IV medication, Healthy Paws Pet Insurance has been reliable and timely in processing his claims. I usually receive a reimbursement check within 7 days of submitting a claim. In fact a claim I submitted the Sunday after Thanksgiving was processed that very day and the reimbursement check arrived three days later. It is stressful enough to have an injured/sick pet without worrying how to pay the vet bills. Healthy Paws has enabled me to seek the best care... Read More

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Rated "Best Choice Overall" by Mashable

  • No Maximum Annual or Lifetime Payouts
  • No Enrollment or Administrative Fees
  • Most Claims are Processed in 2 Days
  • Trusted by More than 625,000 Parents
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